WE NEGOTIATE WITH
creditors to resolve debt
debts each month
in debt each month1
HOW IT WORKS
5 simple steps to resolve your debt
REAL PEOPLE, REAL RESULTS
How it works FAQs
How does Achieve Resolution work to reduce debt?
Achieve Resolution is a proven program where a team of experts work with creditors on your behalf to reduce the amount you owe. This allows you to pay off debts faster than making minimum monthly payments and keeps more money in your pocket.
What types of debt can I resolve?
Our debt resolution program can help you with unsecured debts (debt not backed by collateral like a house or car).
Debts we can help with
Credit or department store cards
Most personal loans
Collections or repossessions
Lines of credit
Some payday loans
Some private student loan debt
Debts we can’t help with
Secured loans (HELOC, auto, etc.)
Federal student loans
Not sure if your debt is eligible for the Achieve Resolution program? Call us.
Who is eligible for the Achieve Resolution program?
Achieve Resolution helps consumers who have experienced a hardship (such as job loss, reduced income, unexpected expenses, medical debt, and divorce) and are struggling with unsecured debts, including credit cards, medical, department store and personal loan debts.
Our program is available in most of the country, but not in some states, including New Jersey. We enroll members with debt amounts between $7,500 and over $100,000. You could qualify for Achieve Resolution even with bad credit.
What does the Achieve Resolution program cost? Are there membership fees?
Program fees range between 15-25% of the amount of enrolled debt to be resolved. Rates may vary depending on your state of residence. There are no membership fees to join Achieve Resolution, only the monthly or bi-weekly deposit needed for debt negotiations and settlements.
Does debt resolution impact my credit?
As you stop payments to your creditors and your accounts go past due, your credit score may drop temporarily. However, as each account is resolved, those debts should be reported as such and should show a zero balance on your credit report, which should help your credit score begin to recover.
By the time you graduate from the program, you’ll be free of your enrolled debts.
What should I expect from creditors once I’ve enrolled in the program?
When you voluntarily stop paying your creditors, they will likely call you to collect payment. We have resources to help you deal with these calls. But as soon as we negotiate a settlement with them and you approve it, the calls should stop as you start making settlement payments to them.
If your creditor takes legal action, you have access to legal support.
While we are not lawyers, we’ve partnered with a network of attorneys, the Legal Partner Network, that specializes in debt negotiation. The cost of this service is included in your program and available as long as you're making your deposits on time and in full.
Negotiations & settlements
Negotiation activity typically doesn’t start until you’ve saved up enough in your program account to make reasonable offers to your creditors. The first settlement typically happens between months four and six of a member’s program, but this varies greatly depending on your monthly deposit amount, the number of creditors you have enrolled in the program, and the balance of each individual account. Over 60% of members get their first debt settled in the first 3 months of enrollment.